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Maryam Nawaz’s Zero Markup Scheme for Cars and Bikes — A Step Toward Affordable Mobility
Punjab Chief Minister Maryam Nawaz Sharif has recently launched a landmark initiative aimed at providing interest-free (zero markup) motorbikes and possibly cars to students and young people across the province. This move is part of her broader vision to make education, employment, and daily commuting easier and more affordable for the youth of Pakistan.
Overview of the Scheme
The Zero Markup Vehicle Scheme—often referred to as the Interest-Free Bike Scheme—is designed to help students and low-income individuals purchase bikes through easy monthly installments without any additional financial burden such as interest or markup.
Key highlights include:
- Total Units Planned: Around 20,000 bikes will be distributed in the first phase.
- 19,000 petrol bikes
- 1,000 electric bikes (e-bikes)
- Completely Interest-Free:
The Punjab Government will cover all markup charges, meaning students will only pay the original price of the bike in installments. - Installment Details:
- Petrol Bike: Approximately Rs. 5,000 per month
- Electric Bike: Slightly higher, depending on model and battery capacity
- Eligibility:
- Must be a student (college or university level) enrolled in Punjab
- Valid driving license or learner’s permit required
- Must apply online through the official Punjab Government portal
- Launch Cities (Phase 1):
Lahore, Rawalpindi, Multan, Bahawalpur, and Faisalabad
Later, the scheme will expand to other districts. 
Government Support and Transparency
Maryam Nawaz emphasized that this initiative aims to reduce financial stress on young people while ensuring transparent distribution through an online application and lottery system. The Punjab government is collaborating with the Bank of Punjab for financing, ensuring fair selection and smooth payment collection.
Potential Expansion — Zero Markup Cars
While the scheme currently focuses on motorbikes, discussions are ongoing about introducing small, fuel-efficient or electric cars under the same zero markup policy for teachers, government employees, and women commuters. This expansion could further promote economic activity and support eco-friendly transportation
.
Benefits of the Scheme
- Affordable Transportation for Students
Students often struggle with daily commuting costs. The scheme helps them own a personal bike without paying extra interest or relying on expensive public transport. - Education and Employment Access
With reliable transport, students and young workers can reach colleges, universities, and workplaces on time, improving both attendance and productivity. - Environmental Impact (E-Bikes)
The inclusion of 1,000 electric bikes supports Pakistan’s green energy goals and helps reduce urban pollution. - Financial Inclusion
By offering interest-free installments, even students from low-income families can afford mobility, encouraging economic equality. - Women Empowerment
The government has allocated a significant quota for female students, promoting gender equality and women’s independence.
Challenges and Criticisms
While the initiative is widely praised, a few challenges remain:
- Repayment Discipline: Some students may find it difficult to manage monthly payments due to financial instability.
- Infrastructure for E-Bikes: Charging stations and maintenance facilities for electric bikes are still limited.
- Transparency Concerns: The success of the program depends on fair allocation without political favoritism or corruption.
- Sustainability: Ensuring consistent funding and after-sales support is key for long-term success.
Conclusion
Maryam Nawaz’s Zero Markup Scheme for Bikes (and future cars) marks a major step toward empowering the youth of Punjab. By removing the financial barriers of interest and providing easy installment options, the initiative not only promotes education and employment but also aligns with Pakistan’s goals for cleaner, greener, and more inclusive mobility.
If implemented transparently and expanded effectively, this program could become one of the most impactful youth-oriented policies in Pakistan’s recent history.
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